44 Cortland St, Geneva, NY 14456 Property Records

Ontario County and Geneva City property record for 44 Cortland St, Geneva, NY 14456

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,826 sqft · built 1880
Lot Size	0.099 acres (4,350 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Aug 2022)
Tax Bill	$4,891 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Apr 2018 Sale
APN	`320500 104.57-2-63`

Property Details

APN / Parcel Number

Primary APN	`320500 104.57-2-63`
Alternative APN	`03101560`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,826 sqft Living Area
1st Floor Area	1,028 sqft
2nd Floor Area	798 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,350 sqft (0.099 acres)
Lot Dimensions	87 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	169 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	03101560
Street Address	44 CORTLAND ST
City	GENEVA
State	NY
Zip	14456-2808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Block	2
Legal Lot Number	63.000
Jurisdiction	ONTARIO NY
Township / Civil Division	GENEVA
Census Block Group	2
Census Block	2014
Census Tract	51801

Owner

44 Cortland St is owned and occupied by an individual who bought it in August 2022.

Source: Ontario County and Geneva City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	44 CORTLAND ST, GENEVA, NY 14456-2808
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage LYONS SAVINGS BANK
Apr 30, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2022 · Amount on File
Deed Sale	Aug 24, 2022 · Amount on File
Prior Sale	Jan 14, 2014 · Amount on File
Deed Document Number	202265
Deed Book / Page	1503 / 139
Transfer Doc	001405/676
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONTARIO NY
Recording Date	Aug 24, 2022
Property Address	44 CORTLAND ST, GENEVA, NY 14456-2808
Document Number	001503/139
Book / Page	1503 / 139
Instrument Date	Aug 19, 2022
Instrument	202208240065
Transaction Type	Transfer
Record Updated	Jan 24, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202208240066
Date	Aug 24, 2022
Instrument	202208240066

Lender

Name	LYONS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONTARIO NY
Recording Date	Apr 30, 2018
Property Address	44 CORTLAND ST, GENEVA, NY 14456-2808
Document Number	001405/676
Book / Page	1405 / 676
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	565 W RIVER RD, WATERLOO, NY 13165-9738

Tax Assessment & Valuation

The 2026 property tax bill for 44 Cortland St was $4,891, up 2.8% from the year before.

Source: Ontario County and Geneva City assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	New York
County	Ontario County
Municipality	Geneva City
Unified School District	Geneva City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,891.00 (+2.75%)
2025	$4,760.00	$139,100 Land $5,600 Building $133,500	$151,196 Land $6,087 Building $145,109
2023		$113,000 Land $5,600 Building $107,400	$144,872 Land $7,179 Building $137,693

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 44 Cortland St; 3 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 44 Cortland St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GENEVA CITY serves 13,334 people · EPA ID NY3401156
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 387 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Empire Long Distance Fiber	1,000 / 100
Verizon Fixed Wireless	300 / 20
CBN Fixed Wireless · not low latency	100 / 100

May also be available: T-Mobile.

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